| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 235 HIGHLANDIA DR. STE 100 BATON ROUGE, LA 70810 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | — | $25K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | P. O. BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 2.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 235 HIGHLANDIA DR. STE 200 BATON ROUGE, LA 70810 | STARMOUNT LIFE INSURANCE COMPANY | $12K | — | $12K | 9.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 235 HIGHLANDIA DR. STE 200 BATON ROUGE, LA 70816 | UNION SECURITY INSURANCE COMPANY | $2K | $289 | $2K | 16.97% |
| WALLACE J. LITTLE3 | 6421 PERKINS ROAD, BLDG A, STE 2B BATON ROUGE, LA 70808 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 8.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3501 N. CAUSEWAY BLVD., STE 300 METAIRIE, LA 70002 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $477 | — | $477 | 3.54% |
| DIRECTPATH, LLC3 | 120 18TH ST. S STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $332 | — | $332 | 2.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W. GOLF RD., 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $158 | $158 | 1.17% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 161 | $123K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 161 | $123K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 59 | $28K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 45 | $13K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 252 | $170K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 59 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.